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Compare our home loans
Your home loan journey
Every home ownership journey is unique. To learn more about how People's Choice could help you on your first home, refinancing or investment journey, pick an option below.
Home loan packages
We've got a range of home loans designed to help you. Check out our home loan packages.
Our home loans
We have a range of home loans to suit your needs, see our options below and choose the product that fits you.
Fixed Rate Home Loan
Enjoy certainty by knowing your home loan repayments with a Fixed Rate Home Loan.Basic Variable Home Loan
A simpler, non-complicated home loan option with a competitive interest rate, no application or ongoing fees, and the flexibility to make extra repayments.Standard Variable Home Loan
Our Standard Variable Home Loan provides you with flexibility, competitive rates and unlimited extra repayments.Split loans
We explain split loans to help you decide if it’s the right home loan option for you.Bridging Loan
A short-term home loan to help you buy your new home, before you've sold your old one.Construction loans
Keep your building project on track with a loan that gives you access to the money as you need it.
Get started
To start your pre-approval application, click apply now. If you'd prefer to speak directly to a lender, click here to get in touch with one of our Home Loan Advisers.
Home loan calculators
Borrowing power calculator
Our borrowing power calculator can help you work out how much you might be able to borrow for a home loan.Home loan calculators
Our home loan calculators can help you work out your repayments, calculate stamp duty, estimate borrowing power and more.
What you need to know
We know that getting started can be tough, but we are here to guide you through the process and make it as simple as possible.
Buying a home
No matter where you are on your home buying journey, we're here to help you get the home you really want.Buying my first home
We're here to help you with every step of your journey towards buying your first home.Building or renovating my home
We’ve got finance options to help you renovate and bring your ideas to reality.Refinance with a Home Loan at a great rate.
Replace an existing home loan with a new mortgage & reduce your home loan repayments.
Become a member
We value our members. Start your People's Choice journey today by becoming a member.
Most popular questions
Variable or fixed rate. Which is right for me?
If you choose a variable rate home or investment loan, the interest rate can rise or fall depending upon the market and economic conditions. This can potentially impact your repayment amount. On a variable rate, you have the flexibility to make unlimited extra repayments without a fee applying, to pay down your loan sooner.
Choosing a fixed rate home or investment loan means you can lock your interest in at a set rate for one to five years. So if you think interest rates have hit rock bottom or that rates may rise, you can add certainty to your loan by fixing your repayments for a set period.
If you're still not sure about which option is right for you, we're happy to help you make the right decision. Call us on 13 11 82 or visit your nearest branch for more details.Can I switch to a fixed interest rate?
If you want to speak to us about fixing your home loan interest rate, email us on fixmyhomeloan@peopleschoice.com.au with your name, member number and contact phone number and we endeavour to be in touch within 48 hours to talk through your options.Can I split my home loan?
Yes. Speak to a Home Loan Adviser to discuss your options.How will I be notified if my interest rate is changing?
• If you make Principal and Interest repayments, you’ll receive a letter from us with your new rate and repayment information, providing you with at least 20 days' notice for you to make any changes.
• If you make Interest Only repayments, you’ll receive a letter from us with your new rate.
• If you have a Line of Credit account, you’ll receive a notification of the rate change on your next statement.